| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 400 KANSAS CITY, MO 64108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 2.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET SUITE N108 ATLANTA, GA 30318 | SUN LIFE ASSURANCE COMPANY OF CANADA | $547 | — | $547 | 0.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $502 | — | $502 | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13 | — | $13 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE AND ACCIDENT | — | $81 | $81 | 3.86% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 882 | $4.6M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 885 | $340K |
| Vision | EYEMED VISION CARE | 657 | $20K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 523 | $193K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 523 | $193K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 882 | $4.6M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 685 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.